Been in quite a few minor skirmishes and had a few sideways moments on wet roundabouts here and there, but only had one serious accident.
I know the topic is most serious accident, but I'll tell y'all my anecdotes anyway!
I did the humpback bridge thing too - but I was seventeen!! Anyway, managed to get a clean take-off in my car

and doing about 60mph when I noticed a woman pull out of a side road in front of me in the distance......needless to say, I absolutely **** my pants! Not least of all, because it was my mother's car.....

Well anyway, I locked the wheels instantly, leaving a trail of blue tyre smoke which I could see spewing in my mirrors, and the car set on course to exchange a substantial amount of paintwork.....but somehow i managed to stopped panicking for a moment and eased off brakes a little enough for me to swerve the car around the other driver with barely inches to spare
This incident shook me up so much I proceeded to drive the wrong way up a dual carriageway immediately afterwards...
A non-serious accident I was in was when I was with another guy (who was 17 at the time) in his MK1 Fiesta when we decided to go 'rallying' in the snow after work...oh yeah, we were ******* stupid! I even remember one of the colleagues at work saying what a ******* stupid idea it was and really giving us a look of contempt! Well there was a brand new short stretch of dual carraigeway I knew of that lead to a new housing estate that hadn't been built yet and was always coned off, and we'd always used it for racing/handbrake turns etc. We decided to hone our rallying skills there on that night.....On the fateful run (my friend driving), I remember thinking to myself that we were probably going too fast to stop in time before hitting the kerb at the end...well I was right, and we'd hit it! His car was a write off - chassis bent and wheels pointing anywhere but forwards! Car just wouldn't steer properly nor drive in a straight line and it was snowing! Ahh those were the days....
Another non-serious accident that I was in involved four of us in a mini, with me as a passenger in the back, bombing down a narrow lane wide enough for only one car in some farmer's land in the countryside. We always bunked off school to go 'rallying'

down here when we were bored... We came round one particular corner where there was a high banked grass verge on the inside which my friend managed to clip when he came around the bend too fast. We bounced off it and ended up careering back across the road and bouncing down a ditch on the other side where the poor mini ended up stranded! We all sat there silent and motionless for what seemed like an eternity, probably pondering the enormity of being caught bunking off school then getting stranded in the middle of nowhere, trespassing on land, and driving like complete morons. To top it off, the mini had a hole in the floor and the car was slowly filling up with water...

In the end, the kind farmer towed us out!!
My most serious accident to date involved a side-on smash in a friends car. My friend made a right turn off a main road on an amber-to-red (cutting across the opposite lane, for all you left-hookers

), just making the turn as it went to red. The guy coming from the opposite direction on the main road was accelerating hard (and very fast) as he approached the lights on his side in anticipation of it changing green for him. Which it did...I'm not sure what speed he was going when he hit us, but he hit us on my side of the car and we ended up doing a 270 spin. The back of my seat collapsed and the interior of the car suddenly got a lot smaller! I was totally winded, wedged up against the driver's seat and unable to breathe. My friend was ok, but a little shaken - had to tell him to ring for an ambulance myself! This happened at a busy crossroads outside my university block and attracted what seemed like hundreds of voyeuristic students crowding round and peering into the car - bastards! My vision started blurring at the hospital too, before I found out I'd broken my collar bone. I'm pretty sure I'd cracked a rib too, as it hurt like a ***** for weeks, although there's nothing that could've been done if they found out I'd cracked it anyway. The whole of my upper left torso was bruised, which went a nice shade of dark murky yellow (mmm..nice!) and the break also meant I had random stabbing pains in funny places in my arm. I also couldn't get out of bed properly and had to shuffle myself down the bed and drop off the end and off on to my feet! The other car belonged to a guy who wasn't insured to drive it, and the perpertrator was seen running off after the incident. It couldn't be proven that the owner was driving, and so nothing ever came out of it

Tried several companies to get some cash out of it, but failed miserably!
Here's a pic of the slightly banana-shaped car I was in - it's small car and is much worse in the metal